ESL Credit Cards

Find the card that’s built for you.

Your credit card should fit your life — not the other way around. Maybe you prefer a straightforward approach that will help you save more with no surprises. Or maybe you’re looking to earn rewards on every purchase and enjoy more perks. Either way, ESL has an option designed for you.

Both cards offer:

  • Low rates: Access a 12-month 0% introductory rate.1
  • No added fees: No balance transfer fees2 and no annual fees2 ever.
  • More ways to save: Consolidate higher-interest rate credit card balances.
  • Easy online banking: Transfer credit card balances, pay your bill, track transactions, and access statements with ESL Mobile and Online Banking.
  • More chances to earn: Potentially grow your ESL Owners’ Dividend3 with every purchase and your average monthly outstanding balances.

ESL Visa® Credit Card

Looking to consolidate your higher-interest rate credit card balances, save money, and simplify monthly payments? Then the ESL Visa Credit Card is your perfect match.

  • 0% Intro APR for 12 months1 on purchases and balance transfers
  • Low ongoing rates from 12.50%-17.99% APR1
  • Credit lines from $500-$25,000

ESL Visa Credit Card Rates and Terms

ESL Rewards Visa Signature® Credit Card

Want to turn everyday spending into rewarding perks? Then the ESL Rewards Visa Signature Credit Card is built for you.

  • 20,000 bonus rewards points after spending $1,000 in the first 90 days for new accounts4
  • Earn points on every purchase:
    • 3 points per $1 on Dining
    • 2 points per $1 on Gas, Groceries, and Travel
    • 1 point per $1 on everything else
  • 0% Intro APR for 12 months1 on purchases and balance transfers followed by ongoing rates from 15.50%-17.99%1
  • Credit lines from $5,000-$25,000
  • Points that never expire — it’s your rewards, your way

ESL Rewards Visa Signature Credit Card Rates and Terms

 

Rates accurate as of

1: 0% Introductory APR available to new accounts only. Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. Introductory rate of 0.00% is fixed for 12 billing cycles from account open date. After that, ESL Visa Credit Card Prime Rate + 5.00% up to Prime Rate + 14.24%, and ESL Rewards Visa Signature Credit Card Prime Rate + 8.00% up to Prime Rate + 14.24% to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of [current prime rate date], the Prime Rate was [current prime rate].

2: Cash advance and foreign transaction fees may apply.

3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed.

4: New accounts receive 20,000 Bonus Rewards Points by making $1,000 in qualified purchases (less returns) within the first 90 days from account open date. Cash advances and balance transfers are not eligible.

VISA is a registered trademark of Visa International Service Association and used under license. ESL is an equal opportunity lender.